5 Profitable Investment Ideas for Everyone

By Albert Howard

Investments can be a great way of preparing for a retirement fund, college tuition, or a down payment fund. The longer your money has to grow, the less money you’ll have to invest.

It’s recommended that you start investing as soon as possible. Begin by making sure that your high-interest debt is under control. You also have to ensure that you have an adequate emergency fund, just in case you lose your job.

Historically, investments easily outpace inflation. That can happen even with the normal ups and downs of the market. You only need to understand how to spread out your risk and choose the right methods to grow your money. 

Best Investment Strategies for Everyone

Are you dissatisfied with your 9-5 routine and are considering getting into the business of investments? If that’s the case, we’ve got you covered. 

Many people want to get into profitable investments. Maybe because the prospect of making money using informed decisions makes them feel excited. Others want to get into business because they have the investment strategy for beginners to succeed in this evolving landscape. Unfortunately, not everyone achieves their dream due to lack of funds or the absence of the right strategy.

There are various ways of creating a profitable investment that will transform your life and we are here to help you out.

1. U.S Savings Bonds and Corporate Bonds

Purchasing bonds means that you are loaning money to the entity that you purchased from for a predetermined amount of time and interest.

Bonds are considered safe and low risk. That’s because the only chance there is of you not getting back your money is if the issuer defaults. The United States bonds are backed by the government. This makes them almost risk-free.

Governments give bonds to raise money for projects and operations. That’s the same case for corporations that issue bonds. Corporate bonds, however, are slightly more risky compared to government bonds.

That’s because there are increased chances of a corporation defaulting on the loan. That’s unlikely when you invest in a corporation by purchasing its stock. However, corporate bonds don’t give you ownership in the company.

It’s important to note that a bond may only net you a 3 percent return on investment over several years. That’s to say that you’ll have less buying power if you take your money out of the bonds. That’s the same thing that happens when you put in the money because the rate of growth will not keep up with the rate of inflation. 

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2. Index Funds

Index funds are stock investments that will diversify your investment across multiple stocks. Do remember that these funds are passively managed. They are not directly overseen by a money manager.

Due to it being passively managed, there are fewer fees involved. This means that you have the potential of getting slightly higher returns. But, the returns will be entirely based on how well the index your fund is tracking does.

A lot of the major indexes are used to track the overall movement of the market. As a result, they perform almost as good as the overall market in the long-term. The performance may, however, not be as high as the returns you’d get through successfully picking individual companies with the right research, but nonetheless it’s a respectable return.

Investing in an index means betting your money on the future of the United States. If you’re confident that the American economy will keep growing, you’ll possibly come out okay. Problems only arise when you invest money into an index and there is a recession.

If the market slows down for a significant amount of time, your portfolio will also slow down. If you happen to be close to retirement waiting for things to swing back the other way, you may be in trouble. That’s where the advantage of investing in individual companies comes in. That’s because a really great company tends to perform well even during a recession.

3. Investing in Real Estate

Buying a property always requires upfront costs such as a down payment. There are also fees for the renovation you’ll choose to have lest we forget the maintenance costs and having to deal with tenants.

If home ownership is not your thing, invest in real estate through the real estate investment trusts (REITs). This will enable you to purchase shares of a real estate portfolio with properties across the country.

REITs are publicly traded and have the potential for high dividends, including long-term gains. They also get you access to properties like commercial real-estate and multi-family apartment complexes. This would be out-of-reach for an individual investor.

The disadvantage of REITs is that the dividends are taxed as ordinary income. They are not taxed as dividends. This can cause you to have a higher tax bill if you invest through a taxable brokerage account.

Investing in a REIT means that you trust the management company to scout income producing properties and to manage them well. You don’t get to decide what properties REIT chooses to purchase, but you also won’t have to deal with tenants, or repairs. 

4. Money Market Funds

Money market mutual funds are an investment product. This should not be confused with money market accounts which are bank deposit accounts similar to savings accounts.  When you invest in a money market fund, your money buys a collection of high quality, bank, or corporate debt.

This investment is best for money you may need soon that you’re willing to expose to a little more market risk. Investors also use money market funds to hold a portion of their portfolio in a safer investment. While money market funds are technically an investment, you shouldn’t expect the higher returns like other investments. 

The growth of money market funds is more akin to high-yield savings account yields. Money market mutual funds can be purchased directly from a mutual fund provider. They can also be purchased from a bank, however, the broadest selection will be available from an online discount brokerage. Meaning that you’ll also need to open a brokerage account.

5. Stock Options

When you buy an option in an organization, note that you’re betting that the price of the stocks of that organization will either go down or up. Buying an option enables you to purchase or sell shares of that organization at the set price.

Stock options are very costly. And just like most high-risk investments, there is potential that you’ll get high returns. The problem is that there’s also the potential for great loss. That’s especially if you don’t know what you’re doing. 


When you start your investment journey, it’s best to consider where you’d like to hold your investment. It could be a taxable brokerage account, real estate, or money market funds. If it’s real estate that you choose to go for, decide if it’s physical Cincinnati commercial properties or REITs that will match your investment style.


You can then evaluate your risk tolerance and how long you’d want to invest. Note that due to compound interest, investing long-term is the most assured way of growing your money.

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